See discussion of "wind pool" in the document, by the way: the way Florida works is by having a semi-governmental organization insure wind damage and letting private insurance companies sell "we'll insure any risk as long as it isn't wind damage" policies.
http://www.iii.org/sites/default/files/paper_HurricaneAndrew...
Katrina: $47.6 billion paid out. Andrew: $25.0 billion paid out. Ike: $13.1 billion paid out. (Constant 2011 dollars.)
See discussion of "wind pool" in the document, by the way: the way Florida works is by having a semi-governmental organization insure wind damage and letting private insurance companies sell "we'll insure any risk as long as it isn't wind damage" policies.